贷款17万（公积金贷款）房贷，还款3年的等额本息和等额本金的还款方式明细。
等额本息还款方式：
贷款总额：17万
还款月数：3年
每月还款：4962.56元
利息总额：8652.07元
本息合计：17.87万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 4962.56 | 460.42 | 4502.14 | 165497.86 |
| 2 | 2025-09 | 4962.56 | 448.22 | 4514.33 | 160983.52 |
| 3 | 2025-10 | 4962.56 | 436.00 | 4526.56 | 156456.96 |
| 4 | 2025-11 | 4962.56 | 423.74 | 4538.82 | 151918.14 |
| 5 | 2025-12 | 4962.56 | 411.44 | 4551.11 | 147367.03 |
| 6 | 2026-01 | 4962.56 | 399.12 | 4563.44 | 142803.59 |
| 7 | 2026-02 | 4962.56 | 386.76 | 4575.80 | 138227.80 |
| 8 | 2026-03 | 4962.56 | 374.37 | 4588.19 | 133639.60 |
| 9 | 2026-04 | 4962.56 | 361.94 | 4600.62 | 129038.99 |
| 10 | 2026-05 | 4962.56 | 349.48 | 4613.08 | 124425.91 |
| 11 | 2026-06 | 4962.56 | 336.99 | 4625.57 | 119800.34 |
| 12 | 2026-07 | 4962.56 | 324.46 | 4638.10 | 115162.24 |
| 13 | 2026-08 | 4962.56 | 311.90 | 4650.66 | 110511.58 |
| 14 | 2026-09 | 4962.56 | 299.30 | 4663.26 | 105848.33 |
| 15 | 2026-10 | 4962.56 | 286.67 | 4675.89 | 101172.44 |
| 16 | 2026-11 | 4962.56 | 274.01 | 4688.55 | 96483.89 |
| 17 | 2026-12 | 4962.56 | 261.31 | 4701.25 | 91782.65 |
| 18 | 2027-01 | 4962.56 | 248.58 | 4713.98 | 87068.67 |
| 19 | 2027-02 | 4962.56 | 235.81 | 4726.75 | 82341.92 |
| 20 | 2027-03 | 4962.56 | 223.01 | 4739.55 | 77602.37 |
| 21 | 2027-04 | 4962.56 | 210.17 | 4752.38 | 72849.99 |
| 22 | 2027-05 | 4962.56 | 197.30 | 4765.26 | 68084.73 |
| 23 | 2027-06 | 4962.56 | 184.40 | 4778.16 | 63306.57 |
| 24 | 2027-07 | 4962.56 | 171.46 | 4791.10 | 58515.47 |
| 25 | 2027-08 | 4962.56 | 158.48 | 4804.08 | 53711.39 |
| 26 | 2027-09 | 4962.56 | 145.47 | 4817.09 | 48894.30 |
| 27 | 2027-10 | 4962.56 | 132.42 | 4830.14 | 44064.16 |
| 28 | 2027-11 | 4962.56 | 119.34 | 4843.22 | 39220.95 |
| 29 | 2027-12 | 4962.56 | 106.22 | 4856.33 | 34364.61 |
| 30 | 2028-01 | 4962.56 | 93.07 | 4869.49 | 29495.13 |
| 31 | 2028-02 | 4962.56 | 79.88 | 4882.67 | 24612.45 |
| 32 | 2028-03 | 4962.56 | 66.66 | 4895.90 | 19716.55 |
| 33 | 2028-04 | 4962.56 | 53.40 | 4909.16 | 14807.39 |
| 34 | 2028-05 | 4962.56 | 40.10 | 4922.45 | 9884.94 |
| 35 | 2028-06 | 4962.56 | 26.77 | 4935.79 | 4949.15 |
| 36 | 2028-07 | 4962.56 | 13.40 | 4949.15 | 0.00 |
等额本金还款方式：
贷款总额：17万
还款月数：3年
首月还款：5182.64元
每月递减：12.79元
利息总额：8517.71元
本息合计：17.85万
节省利息：134.36元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 5182.64 | 460.42 | 4722.22 | 165277.78 |
| 2 | 2025-09 | 5169.85 | 447.63 | 4722.22 | 160555.56 |
| 3 | 2025-10 | 5157.06 | 434.84 | 4722.22 | 155833.33 |
| 4 | 2025-11 | 5144.27 | 422.05 | 4722.22 | 151111.11 |
| 5 | 2025-12 | 5131.48 | 409.26 | 4722.22 | 146388.89 |
| 6 | 2026-01 | 5118.69 | 396.47 | 4722.22 | 141666.67 |
| 7 | 2026-02 | 5105.90 | 383.68 | 4722.22 | 136944.44 |
| 8 | 2026-03 | 5093.11 | 370.89 | 4722.22 | 132222.22 |
| 9 | 2026-04 | 5080.32 | 358.10 | 4722.22 | 127500.00 |
| 10 | 2026-05 | 5067.53 | 345.31 | 4722.22 | 122777.78 |
| 11 | 2026-06 | 5054.75 | 332.52 | 4722.22 | 118055.56 |
| 12 | 2026-07 | 5041.96 | 319.73 | 4722.22 | 113333.33 |
| 13 | 2026-08 | 5029.17 | 306.94 | 4722.22 | 108611.11 |
| 14 | 2026-09 | 5016.38 | 294.16 | 4722.22 | 103888.89 |
| 15 | 2026-10 | 5003.59 | 281.37 | 4722.22 | 99166.67 |
| 16 | 2026-11 | 4990.80 | 268.58 | 4722.22 | 94444.44 |
| 17 | 2026-12 | 4978.01 | 255.79 | 4722.22 | 89722.22 |
| 18 | 2027-01 | 4965.22 | 243.00 | 4722.22 | 85000.00 |
| 19 | 2027-02 | 4952.43 | 230.21 | 4722.22 | 80277.78 |
| 20 | 2027-03 | 4939.64 | 217.42 | 4722.22 | 75555.56 |
| 21 | 2027-04 | 4926.85 | 204.63 | 4722.22 | 70833.33 |
| 22 | 2027-05 | 4914.06 | 191.84 | 4722.22 | 66111.11 |
| 23 | 2027-06 | 4901.27 | 179.05 | 4722.22 | 61388.89 |
| 24 | 2027-07 | 4888.48 | 166.26 | 4722.22 | 56666.67 |
| 25 | 2027-08 | 4875.69 | 153.47 | 4722.22 | 51944.44 |
| 26 | 2027-09 | 4862.91 | 140.68 | 4722.22 | 47222.22 |
| 27 | 2027-10 | 4850.12 | 127.89 | 4722.22 | 42500.00 |
| 28 | 2027-11 | 4837.33 | 115.10 | 4722.22 | 37777.78 |
| 29 | 2027-12 | 4824.54 | 102.31 | 4722.22 | 33055.56 |
| 30 | 2028-01 | 4811.75 | 89.53 | 4722.22 | 28333.33 |
| 31 | 2028-02 | 4798.96 | 76.74 | 4722.22 | 23611.11 |
| 32 | 2028-03 | 4786.17 | 63.95 | 4722.22 | 18888.89 |
| 33 | 2028-04 | 4773.38 | 51.16 | 4722.22 | 14166.67 |
| 34 | 2028-05 | 4760.59 | 38.37 | 4722.22 | 9444.44 |
| 35 | 2028-06 | 4747.80 | 25.58 | 4722.22 | 4722.22 |
| 36 | 2028-07 | 4735.01 | 12.79 | 4722.22 | 0.00 |